Free · Confidential · No Obligation
Behind on Your Mortgage?
You Have Options.
Losing your home to the bank is almost never the only path. Even with a Notice of Default or a sale date already on the books, there are real moves you can make — keep the home, sell on your terms, or walk away clean with your credit and dignity intact. A Henry David agent will sit with you, look at the numbers, and lay them all out. No pressure. No fee. No catch.
What we will walk through with you
Seven Ways to Avoid Losing Your Home
Every situation is different. The right move depends on your equity, your income, where you are in the timeline, and what you actually want. Here is the full menu.
Reinstatement
Catch up the missed payments + fees in a lump sum and stop foreclosure cold. Best if you had a short-term setback and money is coming.
Loan Modification
Negotiate with your lender to lower the payment, extend the term, or roll arrears into the balance. We help you build the package.
Forbearance Plan
A formal pause or reduction in payments while you recover. Lenders often agree — they want to avoid foreclosure too.
Short Sale
Sell the home for less than the mortgage balance. The lender approves the discount; the deficiency is typically forgiven. Saves your credit vs. a foreclosure.
Cash Sale (Off-Market)
If you have equity, we can buy or place the home with our investor network. Close in 14–21 days, walk with the equity, avoid foreclosure on your record.
Traditional Listing
If you have equity and time, listing on the open market usually nets the most money. We move fast and price aggressively when the clock is ticking.
Deed in Lieu
Voluntarily hand the deed to the lender in exchange for canceling the debt. Less damaging than a full foreclosure on your record.
California foreclosure timeline
Where Are You Right Now?
The earlier you call, the more options stay on the table. Even at the trustee-sale stage, there are still moves — they are just narrower.
- 1
Day 1
You miss a payment. Late fees start.
- 2
Day 30–90
Lender sends demand letters. Reinstatement is still cheap here.
- 3
Day ~90
Notice of Default (NOD) recorded. You have 90 days to cure.
- 4
Day ~180
Notice of Trustee Sale (NOS) posted. Auction set ~21 days out.
- 5
Auction Day
Home sold on the courthouse steps. You can be evicted shortly after.
Request a free consultation
Tell us where you are.
An agent will call within 24 hours. Everything you share stays between you and our team. You are not committing to anything by filling this out.
A note on foreclosure rescue scams
California has strict rules on who can help homeowners in default — for good reason. We will never ask you to sign over your deed, pay upfront for "rescue services," or skip talking to your lender. If anything we suggest feels off, ask us why. Get a second opinion. Your home is worth that caution.